Home Insurance in Jerauld County, South Dakota
The median home value in Jerauld County is $150,800, 41% lower than the South Dakota median.
The typical home in Jerauld County was built around 1958. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 52% of homes were built before 1960, about 24 points above South Dakota's 28%.
The housing stock in Jerauld County is 86% single-family homes, 8% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 41% of owner-occupied homes in Jerauld County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 84% of occupied homes in Jerauld County are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
57% of homes in Jerauld County are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Jerauld County, per FEMA's National Risk Index, are wildfire (Relatively Low), hail (Relatively Low) and winter weather (Relatively Low).
Jerauld County had 1 active National Flood Insurance Program policy as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in South Dakota carries a statewide average premium of $1,614 per year.
Key figures
| Median home value | $150,800 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hail (Relatively Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 1 |
| Home insurance premium | $1,614 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)